When an employee is injured while he/she is working, they are entitled to workers’ compensation. This system provides care and benefits to those hurt on the job. Since it was put into effect in the early 20th century, its laws go beyond covering workplace injuries, but also illnesses that come about because of workplace conditions, … Continue reading “Workers’ Compensation Information”
When an employee is injured while he/she is working, they are entitled to workers’ compensation. This system provides care and benefits to those hurt on the job. Since it was put into effect in the early 20th century, its laws go beyond covering workplace injuries, but also illnesses that come about because of workplace conditions, called occupational diseases. Compensation laws are different from state to state. There are also special laws for federal employees, and for workers in specific industries like railroad employees.
Benefits supplied by this compensation include the recovery of lost wages, medical treatment, and compensation for permanent disability. Some state programs also give their employees vocational retraining and return-to-work programs. Some states also provide monetary benefits to the family of workers who have been killed on the job or die due to an occupational disease. In exchange for this coverage and benefits, the workers cannot sue their employers for negligence. The laws give employers and co-workers a sound fraction of protection by regulating the amount employees can get from their employers. More importantly, the laws prevent injured employees from suing their co-workers. The compensation system is a kind of no-fault system. The carelessness of an employer or
The new Covered California health insurance marketplace offers a wide range of affordable health plans for you to choose from. Whether you are self-employed, or looking for coverage over and above what your employer currently offers, there is a plan that will likely meet your needs. Federal regulations require that health plans operating under the Affordable Care Act (ACA) meet certain access requirements. In California, those requirements include timely access to healthcare providers, as well as geographic access standards.
Here is a general guide to individual health insurance that you can refer to when choosing a plan. And do not forget these important dates regarding open enrollment for 2016.
When selecting a health insurance plan, it is important to verify the plan’s provider network of doctors, hospitals, nurse practitioners, therapists, and other health care providers. It is equally important to understand what is not covered as well. Understanding your plan’s provider network helps you save money, receive better care, avoid unexpected fees and costs, and be happier with the care you receive.
You are not restricted to health care providers in your network, but should you decide to use one outside of your network, health insurance will cover less resulting in